<Anchor>

Kwon Ae-ri's friendly economy starts. Kwon, there are a lot more places to pay for real estate transactions, such as a funding plan.

<Reporter>

Yes. Right now this Friday, the day after tomorrow. 13 days. This does not apply to houses with a contract signed 13 days ago. All I'm talking about now is about housing contracts signed after that.

First, he bought a house worth over 900 million won in the Overheated District. You will then need to bring together proof of funding as well as supporting documents to prove that you have no lie in your plan.

Basically, you are responsible for taking and submitting it to the real estate agent in charge of the transaction. When a real estate agent issues a real transaction report, it sends out a funding plan and supporting documents at the same time.

However, if you live in a house and want to protect your privacy, you may want to bring your own.

Speculative Overheating District Seoul is now widespread. Gwacheon, Seongnam Bundang, Gwangmyeong and Hanam, Daegu Suseong-gu and Sejong-si are 31 places.

And there is another area to be adjusted. Speculative Overheating District is included. Then there are 44 places, including places like Dongtan and Copper.

If you buy a house that costs more than 300 million won in these places, the funding plan has been changed. Attaching proof is not mandatory here.

This is true even when you sell a house worth more than 600 million won outside a regulated area. Even now, when buying a house worth over 300 million won in the Speculative Overheating District, we have issued a funding plan.

But writing it down was relatively simple. There was no need for proof of proof. The funding plan will be more specific in the future.

<Anchor>

Please explain in detail what you should write more.

<Reporter>

Once you have received a gift or inheritance, you must also write out who you received it from. The size of the tax varies greatly depending on whether your parents gave you, you went between the couple, and who gave you. I use this to grasp at a glance.

You should also write in detail how to pay for your home. If you have a bank loan, you should write down whether it is a mortgage loan or a credit loan.

Cash assets, this is not only cash, but also what you have in the form of gold or cryptocurrency.

In particular, I pay for my house in cash. There are a variety of convenient ways, such as wire transfer and checks, but if you're handing cash, you'll be more focused.

If you have a cash transaction, you will need to show proof of your income, such as receipts from your earned income withholding.

In some cases, people who sell their homes and receive money may be asked to prove why they got cash and what they actually got.

If the fund structure is simple, there will be few documents, but if it is complicated, up to 9 documents can be paid at the same time. There are about 15 types of supporting documents.

But once, the house was sold first, the house was deposited, and after careful consideration, a new house was bought later. If you write a funding plan in this case, what is this money classified as? Deposit.

This is done by bringing a certificate of deposit balance, not a real estate contract. The standard is what the money looks like at the time of filing.

Second, when signing a house contract and making a plan, you may not have all the money you have thought about while you have not paid your balance yet.

If the balance of my whole house hasn't come in yet, or if I have to get a loan now, only the documents for the money prepared at that time are paid with the plan.

Future documents, such as loan applications, can be returned later if the local government or the Department of Homeland requests them.

<Anchor>

It's complicated. What happens if I don't report it properly?

<Reporter>

First, the fine is 5 million, which is the penalty for the lack of documents. If an unfaithful report came in and the government investigated it, there was an illegal element, and the disposition of it was separate.

The Department of Homeland is planning to use 53 permanent monitoring teams to investigate funding plans starting this week. I think it's easier to think about it.

And in order to avoid a hardening financing plan, you could be fined up to 2% of your home purchases if you try to cheat your home contract altogether.